Being in a collision is certainly stressful. Assuming you did not sustain serious injuries, your first thought is likely: oh great, now I have to deal with the insurance company, fill out claims forms and fight for the money I need just to cover repairs. We get it. Filing insurance claims can be torturous, which is why it’s a relief when your auto mechanic can take care of that part for you.
If you do find yourself in the aftermath of a collision, follow these steps
Call 911 if you or your passengers have suffered an injury, call 911, then wait for emergency responders. Stay put and don’t move.
If you are able, move your vehicle to the side of the road or a sidewalk. If you think your car is posing a safety hazard where it has come to rest, and if it’s drivable and safe to do so, pull over to the side of the road or other safe nearby area.
You shouldn’t be the one to decide how serious a crash is. You should call the police whether you have gone through a simple fender bender or have been part of a major collision. The officers on the scene will take an accident report and take notes to pass on to your insurance company later. This will help them with the claims process.
Approach the driver of the other vehicle and exchange contact and insurance information. Be sure to get their:
- Name and contact info
- Insurance company/policy number
- Driver’s license and license plate number
- Vehicle make, model and color
- Specific location at the accident
- Don’t talk about anything else except these basics, and certainly do not discuss fault. Fault will be
- determined by the adjuster after they fully inspect both vehicles, and receive all information from
- both parties as well as any supporting documentation. These documents can include anything from
- photos of the scene to the police report.
- Ask the police officers for their names and badge numbers.
- Find out where to obtain a copy of their accident report to give your insurance company. Most will give you a copy right then and there.
- Document the accident scene. Take pictures of your vehicle from all angles to show damage. While you’re at it, take a photo of the other driver’s license plate.
- Talk to witnesses at the scene if there are any, writing down their names and getting their contact information.